As a self-employed person working for a client (e.g. creating a website), you have a bus factor of 1:
The bus factor is the total number of key developers who would need to be incapacitated (as by getting hit by a bus/truck) to send the project into such disarray that it would not be able to proceed; the project would retain information (such as source code) with which no remaining team member is familiar.
If something happens to you, the client might have a problem.
- The work might not be finished. What if the client already (part) paid for it? What if the client hasn’t yet received login passwords etc.?
- The work might be finished. What if the project is so complex that the client can’t simply hand it over to someone else? What if the website runs on your server? What if you registered the domain?
- You may have signed a NDA. What if your heirs stumble upon sensitive data of your client?
- (… What else to consider?)
How can we prepare for it?